401(k) Plan Cost & Tax Credit Calculator
If you’re a small business starting a 401(k), you may be eligible for tax credits. Estimate your monthly plan fees and see how federal tax credits under SECURE 2.0 can help you save on startup and administrative costs with Human Interest.
2026* | 2027 | ||||||||||
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| $873.00 | $2,244.00 | ||||||||||
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| -$1,000.00 | -$1,000.00 | ||||||||||
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| Estimated 401(k) Plan Cost | -$127.00 | $1,244.00 | |||||||||
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Disclosures and Notes
- The 401(k) Plan Cost Calculator above is not tax or legal advice and is intended to estimate the cost of a Human Interest Inc. (HII) 401(k) plan’s recordkeeping and custody-related expenses, taking into account the tax credits available through the SECURE Act 2.0.
- Cost calculations above assume a constant employee size, including highly compensated employees (HCE) and non-highly compensated employees (NHCE), and that headcount doesn't exceed 100*, in order to maintain eligibility for SECURE Act 2.0 tax credits. Costs are calculated based on the number of months remaining this year. Costs for subsequent years are based on 12 months of service.
- Costs above reflect the fee for recordkeeping services and custody-related expenses paid to Human Interest Inc. (HII) of 0.05%. This fee is deducted monthly from the employee's account. A one-time setup fee of $499 may apply and is charged to the plan. A separate investment advisory fee paid to Human Interest Advisors (HIA) of 0.01% is deducted monthly from the employee's account and is not factored into the plan cost calculator above.
*Employees are based on the number of employees who made at least $5,000 in the preceding year. Other investment expenses, such as underlying mutual fund fees, are not included in the calculator.
Human Interest Inc. is an affordable, full-service 401(k) and 403(b) provider that seeks to make it easy for small and medium-sized businesses to assist their employees with investing for retirement. For more information, please visit humaninterest.com. Investment Advisory services are provided through Human Interest Advisors LLC, a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on our investment advisory services, please visit Human Interest Advisors | Human Interest .
This content has been prepared for informational purposes only, and should not be construed as tax, legal, or individualized investment advice. Neither Human Interest Inc. nor Human Interest Advisors LLC provides tax or legal advice. Consult an appropriate professional regarding your situation. The views expressed are subject to change. In the event third-party data and/or statistics are used, they have been obtained from sources believed to be reliable; however, we cannot guarantee their accuracy or completeness. Investing involves risk, including risk of loss. Past performance does not guarantee future results.
Learn more about 401(k) tax benefits
The Setting Every Community Up for Retirement Enhancement (SECURE) Act helped make 401(k) plans more accessible for small businesses. SECURE Act 2.0 expands on these tax incentives, offering even greater savings to employers starting a new retirement plan:
- Start-up Administrative Credit: Small businesses with up to 50 employees may be eligible for a tax credit covering 100% of plan start-up and administrative costs, capped at $5,000 per year for three years ($15,000 total). Businesses with 51–100 employees may be eligible for credits covering 50% of administrative costs, capped at $5,000 per year for three years.
- Auto-Enrollment Credit: Adding an automatic enrollment feature provides an additional $500 tax credit per year for three years ($1,500 total).
- Employer Contribution Credit: Eligible businesses with up to 50 employees can claim a separate tax credit worth up to $1,000 per employee per year for employer matching or non-elective contributions, phased over five years.
Administrative and auto-enrollment credits alone can total up to $16,500 over three years—and businesses providing an employer match or contribution can claim thousands more in potential tax savings.
Get simple, predictable pricing
Automate plan administration, keep payroll in sync, and reduce compliance risks without taking on a second job. We handle the back-end work so you can spend less time on administration and stay focused on growing your business.
Want to learn more?
- Read about the influence SECURE Act 2.0 can have on small business retirement plans.
- Interested in offering an employer match? Calculate the costs of a 401(k) match.
- What are the benefits of auto-enroll? Learn about the plan design feature that may add tax credits.